What Not to Say to Your Insurance Company After a Car Accident

Common Mistakes People Make When Speaking to Insurance Adjusters

Shortly after a car accident, you might be contacted by an insurance company to make a statement. Knowing what you should and shouldn’t say to an insurance adjuster can prove critical to your case. Things you say can be taken out of context or even used to deny your claim.

At Levin & Nalbandyan, we help individuals who have been seriously injured in car accidents in Southern California. Our lawyers fight to get injured parties the maximum recovery they deserve. We have recovered millions of dollars on behalf of our clients and will work tirelessly for you and your family. If you have been injured in a car accident, contact our office at (213) 232-4848 to schedule a free consultation.

Things You Should Not Say to an Insurance Company

If you are injured in a car accident, you may need to file a claim against an at-fault party in order to obtain compensation for your losses. In most cases, this means that the at-fault party’s insurance company will contact you to make a statement about your case. What you say could directly impact your recovery. It is important to stick to the facts and avoid offering information that may be taken out of context.

You should avoid making the following statements to an insurance adjuster:

  • “I’m sorry.” You should not make any statements about fault to the insurance company. It is not your job to determine what caused the accident. Admitting responsibility is often unwarranted without an independent investigation.
  • “I’m not going to make a claim.” In the days and weeks following an accident, the severity of your injuries may be unclear. It would be premature to decide that you do not need to make a claim for damages.
  • “I’m not that injured.” It is best to avoid making any statements about your injuries when talking to an insurance adjuster. Do not downplay your injuries or talk about your treatment unless you have spoken with an attorney.
  • “In my opinion…” You should not offer anything outside of facts when speaking to an insurance company. Statements like “I think” or “In my opinion” should be avoided as well as any unnecessary details.
  • “I don’t have an attorney.” Unrepresented clients are often treated differently than individuals who have legal counsel. You have the right to an attorney and should consult with one immediately after your accident.

Despite what an insurance adjuster may lead you to believe, you are not required to give a recorded statement without first speaking to your attorney. An insurance adjuster may use what you say against you to dismiss your injuries or deny your claim. 

Should I Hire an Attorney?

Before speaking with an insurance company, you should always speak to an attorney. An attorney can help you understand your rights and will always work to protect your interests. 

Insurance adjusters are not on your side. They may try to pressure you to settle your case or may use your statement to reject your claim. A car accident lawyer can help make sure that you do not say anything that may impact your right to recovery. 

Do Not Settle for Less. Contact Our Office Today.

If you were injured in a car accident, contact our office at (213) 232-4848 to schedule a free consultation. Let us help you get the justice you deserve. Call now to get started. 




If your claim has been denied or your attorney has decided to give up, reach out to our firm for a second opinion.